Here are the Top-Performing CUs in the U.S., Says 1 Analysis (And Most are Under $1 Billion in Assets)

SAVANNAH, Ga. — Workmen’s Circle Credit Union has ben ranked as the top-performing U.S. credit union for 2025, climbing from 10th place a year earlier, according to an analysis by S&P Global Market Intelligence.

The Savannah, Georgia-based credit union outperformed the industry median across all six metrics used in the ranking and exceeded the top 100 median in five of those measures, S&P Global Market Intelligence reported.

The S&P Global rankings only consider CUs of more than $100 million in assets. 

The $135.8-million Workmen’s Circle CU posted a return on average assets of 1.95% in 2025, up 85 basis points from the prior year and above the top 100 median of 1.46%. Its member growth of 0.8% also topped the industry median of 0.7%, while its shares and deposits per member reached approximately $64,939, the second highest among the top 100, S&P Market Intelligence said.

The $449.6-million credit union’s net worth ratio rose 43 basis points to 19.57%, and it reported no delinquencies or net charge-offs for the year.

Oregon CU Recognized

Cascade Community Federal Credit Union ranked second, up from third in 2024. It recorded a 2.40% return on average assets — the sixth highest among the top 100 — and member growth of 4.8%, more than double the group’s median of 2.3%. The $449.6-million CCFCU’s net worth ratio increased to 17.13%, while its loan delinquency ratio of 0.14% remained below the top 100 median, S&P Market Intelligence said.

In East Aurora, N.Y., the $249-million Moog Employees Federal Credit Union placed third, exceeding the industry median in five of six metrics, according to S&P Global Intelligence. Like Workmen’s Circle CU, it reported a net charge-off ratio of 0.00%. Its net worth ratio rose to 26.40%, although member growth of 0.2% trailed the industry median, the analysis stated.

Retaining Their Positions

Seventy-five of the credit unions ranked in the top 100 in 2024 retained their positions in 2025. However, WCLA Credit Union, which held the top spot in 2024, fell to No. 25 after declines in credit quality and capital levels, S&P Global Intelligence said. Its loan delinquency ratio rose to 1.89%, while its net worth ratio declined to 16.44%.

Meanwhile, Navy Federal Credit Union, the nation’s largest credit union by assets, ranked No. 1,293 in 2025, down from No. 1,078 a year earlier. Its net charge-off ratio of 2.34% remained above the top 100 median of 0.12%, despite some improvement from 2024.

Ranking by State

In the S&P Market Intelligence rankings, By state, California led the nation with 10 credit unions in the top 100, followed by Michigan and New York with eight each. Sacramento Credit Union was the highest-ranked California institution at No. 4, while Redwood Credit Union was the largest California-based credit union by assets to make the list, ranking No. 74.

Sovita Credit Union was the top-ranked Michigan institution at No. 32, and Moog Employees FCU led New York, followed by Utica Gas & Electric Employees Federal Credit Union at No. 6.

S&P Global Market Intelligence said the rankings were based on six weighted metrics: member growth, shares and deposits per member, net worth as a percentage of assets, return on average assets, delinquent loans as a percentage of total loans, and net charge-offs as a percentage of average loans.

To qualify, credit unions were required to have at least $100 million in assets and a net worth ratio of at least 7% as of Dec. 31, 2025. A total of 1,797 institutions met those criteria, according to the report.

For the full report, go here.